That's too bad but thanks for providing us with a laugh.
Comments sections on web pages are obviously a terrible place to offer opinions like that but it's a shame you ran up against the same wall on a forum where you're a regular. The internet provides anonymity which makes this different from offering advice to a relative, which might be touchy, but in a forum you have a bit of consistency so people can, a little bit, think of you as a person. I know sometimes on forums if I see a view that's non-intuitive or contrary to what I believe, I consider the source and whether I have any positive associations with this person screen name. I.e., do they regularly have reasonable or intelligent or insightful things to say. If so, I may give the present view a little more careful thought than I would have otherwise.
I mean, is your wording here pretty much exactly what you said? I could see that as being a little bit blunt. I do think if you're going to bring up someone's finances it's worth investing in a bit of bowing and scraping. "If you don't mind my mentioning..." "I know this is a bit personal and none of my business but..." Etc. Just because it's harder to perceive tone in writing. Again, people can get used to one's personal style on a forum, but of course not every single reader will be familiar with you.